Adams County · Uninsured and underinsured motorist
Commerce City Motorcycle UM/UIM Lawyers
Commerce City motorcycle um/uim lawyers for riders hurt in Commerce City. Free consultation. No fee unless we recover for you.
When the At-Fault Driver Can't Pay
McCormick & Murphy are Commerce City motorcycle um/uim lawyers for riders hurt by a driver with no insurance or too little insurance. We file in Adams County Justice Center.
Motorcycle crashes on 104th Avenue, along U.S. Highway 85, or near the I-76 interchange sometimes involve a driver who carries no liability insurance at all, or carries limits far too low to cover a rider's injuries. When that happens, the rider's own policy may come into play through uninsured motorist (UM) or underinsured motorist (UIM) coverage.
Whether that coverage applies, and how much is available, depends entirely on the language of the specific policy. We review the policy terms, endorsements, and any exclusions before telling a client what to expect. Every policy is different, and we do not assume coverage exists until we have read it.
If a rider was hit by a driver who fled the scene or who cannot be identified, UM coverage may also be the path forward. These claims run against the rider's own insurer rather than the other driver, which changes how the claim is handled from the start.
Building the UM/UIM Claim
A UM or UIM claim still requires proof that the other driver caused the crash and caused the rider's injuries. Police reports, witness accounts from the scene, photos of the bike and roadway, and treatment records from providers such as Intermountain Health Platte Valley Hospital all help establish what happened and how serious the injuries are.
We also gather the rider's own policy documents, any prior correspondence with the insurer, and information about the at-fault driver's coverage or lack of it. That combination lets us show the insurer exactly why the claim falls within the policy's UM or UIM provisions.
- Your own auto or motorcycle insurance declarations page and policy
- Police report and any information about the other driver's insurance status
- Photos of the bike, gear, and crash scene
- Medical records and bills from any treatment received
- Copies of any letters or emails from your insurer
Handling UM/UIM Claims Near Commerce City
We see uninsured and underinsured driver crashes involving motorcycles along 104th Avenue and U.S. Highway 85, and on I-76 where riders travel between Commerce City, Brighton, and Thornton. These are busy commuter and freight corridors, and not every driver on them carries adequate coverage.
When a UM or UIM claim in this area heads toward litigation, it's typically filed at the Adams County Justice Center. Our office is based in Denver, and we handle these claims for riders throughout the Commerce City area.
What UM/UIM Coverage May Pay For
- Medical treatment tied to the crash
- Lost income from time away from work
- Pain and suffering
- Future medical needs related to the injury
- Property damage to the motorcycle, depending on the policy
What clients say about McCormick & Murphy
Real outcomes and reviews. Check Google reviews for the office that serves Commerce City — and read client testimonials.
After I was hit by a drunk driver with no insurance, my own insurer refused UM benefits. McCormick & Murphy sued for uninsured motorist benefits and bad faith. A jury awarded me over $900,000.
C. O., Denver · UM / bad-faith verdict
Prior results do not guarantee a similar outcome. Every case depends on its facts, coverage, venue, and evidence.
Commerce City Motorcycle UM/UIM Lawyers FAQ
Do I need Commerce City motorcycle um/uim lawyers after a crash?
Call Commerce City motorcycle um/uim lawyers when you were hurt, fault is disputed, or an insurer delays, denies, or offers less than the medical bills. The nearest office is in Denver, CO.
Does my motorcycle policy automatically include UM or UIM coverage?
Not necessarily. Coverage depends on what you purchased and how the policy is written, so we review the actual policy language before making any assumptions.
What's the difference between UM and UIM coverage?
UM coverage generally applies when the at-fault driver has no insurance at all. UIM coverage generally applies when the at-fault driver has insurance, but the limits are too low to cover the rider's losses.
If my insurer denies my UM/UIM claim, is that bad faith?
Not automatically. A denial or a low offer can be a normal part of the claims process or it can reflect improper handling, and we look at how the carrier evaluated and responded to the claim. Our insurance bad-faith page covers this in more detail.
What if the other driver fled the scene?
A hit-and-run situation, where the driver can't be identified, often falls under uninsured motorist coverage. We would still need evidence from the scene to support the claim.
Do I file a UM/UIM claim against the other driver or my own insurer?
UM and UIM claims are filed against your own insurance company, even though the crash was caused by someone else. That's a different process than a standard third-party liability claim.
Discuss a Commerce City motorcycle crash
Free consultation. No attorney fee unless we recover for you.